HomeCalcPro — 项目计算详细报告
Tool: 房贷承贷能力估算器 — 免费在线计算器 | HomeCalcPro | 打印时间:
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房贷承贷能力估算器 — 免费在线计算器 | HomeCalcPro
房贷承贷能力估算器精准计算，提供行业标准公式与即时测算结果。
Income & Underwriting Inputs
Underwriting Debt-to-Income (28/36 Rule)
Transparent mathematical methodology explained in plain English.
Max Housing Payment = Min(Gross Monthly Income × 28%, Gross Monthly Income × 36% - Monthly Debts)Underwriters standardly qualify borrowers using front-end DTI (max 28% of income on housing: PITI) and back-end DTI (max 36% of income on all recurring debts combined).
Variables Explained:
- Gross Monthly Income: Pre-tax monthly earnings.
- Monthly Debts: Car loans, student debt, and minimum credit card payments.
- Down Payment: Available upfront cash equity.
Real Project Example
$100,000 Income with $500/mo Debts & $50,000 Down Payment
Calculating maximum purchase price at 6.75% 30-year fixed rate.
Sample Project Inputs:
Annual Income:$100,000
Monthly Debts:$500
Down Payment:$50,000
Rate:6.75%
Term:30 Years
Step-by-Step Calculation:
- Gross monthly income: $100,000 / 12 = $8,333.33/mo.
- Front-end limit (28%): $8,333.33 × 28% = $2,333.33/mo.
- Back-end limit (36%): ($8,333.33 × 36%) - $500 = $2,500.00/mo.
- Max qualifying monthly housing payment: $2,333.33/mo.
- Solving for loan amount at 6.75% APR + property taxes & insurance.
- Max loan amount: ~$315,000.
- Max affordable home price: $315,000 + $50,000 = $365,000.
Calculated Answer:$365,000 maximum home purchase price ($2,333/month PITI payment).
Knowledge Base
常见问题解答 (FAQ): 房贷承贷能力估算器
Click any question below to expand quick answers, formulas, and expert tips.
What is the 28/36 mortgage rule?
The 28/36 rule states that your housing costs (mortgage principal, interest, taxes, and insurance) should not exceed 28% of your gross monthly income, and your total debt payments should not exceed 36%.